Building Retirement Wealth, One Step at a Time!

The above graph shows the growth of Rs. 1 Lakh in the HDFC Retirement Savings Fund – Equity Plan and the Nifty 500 TRI since the Fund’s inception.

As on 30th April 2026, the HDFC Retirement Savings Fund – Equity Plan has grown to 4.79 Lakhs while its benchmark has grown to 4.36 Lakhs, which highlights the importance of staying invested with a long-term perspective.

Time in the market, not timing the market, is what truly builds retirement wealth.

Past Performance may or may not be sustained in future and is not a guarantee of any future returns.

When Ramesh and Suresh were both 25 years old, they started thinking about their retirement plans. Ramesh chose to begin immediately, understanding the advantage of starting early. Suresh, however, felt it was too soon and postponed his planning, believing that he could make up for lost time later by investing a larger SIP amount.

Ramesh began investing in the HDFC Retirement Savings Fund – Equity Plan through a monthly SIP of Rs.10,000 starting on 1st March 2016. By 30th April 2026, his investment grew to Rs.27.05 lakhs.

Suresh also invested in the same plan, beginning his SIP on 1st March 2020. Since he started later, he chose to invest Rs.20,000 per month. By the same date, his corpus accumulated to Rs.23.57 lakhs.

Over the years, Ramesh invested a total of Rs.12.2 lakhs, while Suresh invested Rs.14.8 lakhs. Despite investing more per month and more in total, Suresh still ended up with a lesser corpus.

This highlights how starting early is far more impactful than investing larger amounts later, especially when planning for retirement.

Source:MFI Explorer; Data as on 30th April 2026

The HDFC Retirement Savings Fund offers three different investment plans tailored to various age groups and risk profiles.

SIP Performance

HDFC Retirement Savings Fund - Equity Plan - SIP Performance - Regular Plan - Growth Option

HDFC Retirement Savings Fund - Hybrid Equity Plan - SIP Performance - Regular Plan - Growth Option

HDFC Retirement Savings Fund - Hybrid Debt Plan - SIP Performance - Regular Plan - Growth Option

#NIFTY 500 (Total Returns Index) ##Nifty 50 Index (TRI), @@@Nifty 50 Index (TRI), $NIFTY 50 Hybrid Composite Debt 15:85 Index (Total Returns Index) $$CRISIL 10 Year Gilt Index

Assuming ₹10,000 invested systematically on the first Business Day of every month over a period of time. CAGR returns are computed after accounting for the cash flow by using XIRR method (investment internal rate of return) for Regular Plan - Growth Option. The above investment simulation is for illustrative purposes only and should not be construed as a promise on minimum returns and safeguard of capital. SIP - Systematic Investment Plan.

Performance - Growth Option

Past performance may or may not be sustained in future and is not a guarantee of any future returns. *Scheme performance may not strictly be comparable with that of its Additional Benchmark in view of hybrid nature of the scheme where a portion of scheme's investments are made in equity instruments. The above returns are of Regular plan - growth option. Returns greater than 1 year period are compounded annualized (CAGR). Load is not taken into consideration for computation of performance. Different plans viz. Regular Plan and Direct Plan have a different expense structure. The expenses of the Direct Plan under the Scheme will be lower to the extent of the distribution expenses/commission charged in the Regular Plan. Returns as on April 30, 2026. The schemes are managed by Mr. Anupam Joshi (Debt Assets) since March 07, 2026, Mr. Arun Agarwal (Arbitrage Assets) since April 1, 2025, Mr. Srinivasan Ramamurthy (Equity Assets ) since December 14, 2021 & Nandita Menezes (Arbitrage Assets) since April 1, 2025. ^Scheme performance may not strictly be comparable with that of its Additional Benchmark in view of hybrid nature of the scheme where a portion of scheme's investments are made in debt instruments.

 Views expressed above are indicative and should not be construed as investment advice or as a substitute for financial planning.

Due to the personal nature of investments, investors are advised to seek professional advice before investing.

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.